SITA.sk<“ style=“color:#747474″>WebNoviny.sk<\/a> \u00a9 SITA V\u0161etky pr\u00e1va vyhraden\u00e9 <\/p>\nMlad\u00ed robia pri hospod\u00e1ren\u00ed s prvou v\u00fdplatou chybu, jedno rozhodnutie m\u00f4\u017ee znamena\u0165 lep\u0161\u00ed d\u00f4chodok![\"mladi](\"https:\/\/www.europesays.com\/sk\/wp-content\/uploads\/2026\/08\/4484843.jpg\")
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Mlad\u00ed \u013eudia maj\u00fa pri budovan\u00ed finan\u010dnej rezervy a sporen\u00ed na d\u00f4chodok jednu ve\u013ek\u00fa v\u00fdhodu, ktor\u00fa si \u010dasto neuvedomuj\u00fa. Je \u0148ou \u010das. \u010c\u00edm sk\u00f4r za\u010dn\u00fa odklada\u0165 a investova\u0165, t\u00fdm men\u0161iu sumu si m\u00f4\u017eu pravidelne d\u00e1va\u0165 bokom a z\u00e1rove\u0148 si vytv\u00e1ra\u0165 majetok, ktor\u00fd im m\u00f4\u017ee nesk\u00f4r pom\u00f4c\u0165 udr\u017ea\u0165 \u017eivotn\u00fa \u00farove\u0148 aj po odchode do d\u00f4chodku.
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Odborn\u00edci z\u00e1rove\u0148 upozor\u0148uj\u00fa, \u017ee probl\u00e9m sa net\u00fdka iba mlad\u00fdch zamestnancov. Mimoriadne pozorn\u00ed by mali by\u0165 aj \u017eivnostn\u00edci a podnikatelia, ktor\u00ed si platia iba minim\u00e1lne odvody. D\u00f4chodkov\u00fd syst\u00e9m je toti\u017e pod dlhodob\u00fdm tlakom najm\u00e4 pre demografick\u00fd v\u00fdvoj.
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Priemern\u00e1 \u010dist\u00e1 mzda na Slovensku dosahuje pribli\u017ene 1 220 eur, zatia\u013e \u010do priemern\u00fd starobn\u00fd d\u00f4chodok bol za rok 2025 okolo 700 eur. Rozdiel tak predstavuje viac ako 40 percent pr\u00edjmu. Do bud\u00facnosti pritom nemo\u017eno po\u010d\u00edta\u0165 s t\u00fdm, \u017ee sa tento rozdiel automaticky zmen\u0161\u00ed. Naopak, prib\u00fada\u0165 bude po\u010det d\u00f4chodcov, zatia\u013e \u010do po\u010det ekonomicky akt\u00edvnych \u013eud\u00ed, ktor\u00ed syst\u00e9m financuj\u00fa, bude klesa\u0165.
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\u201eD\u00f4chodkov\u00fa t\u00e9mu pritom drviv\u00e1 v\u00e4\u010d\u0161ina obyvate\u013estva re\u00e1lne podce\u0148uje a\u017e do dosiahnutia d\u00f4chodkov\u00e9ho veku, kedy bud\u00fa \u010deli\u0165 tvrdej realite,\u201c upozor\u0148uje garant pre sektor kapit\u00e1lov\u00e9ho trhu spolo\u010dnosti Universal makl\u00e9rsky dom Marek Sokol. Pod\u013ea neho nemus\u00ed by\u0165 dostato\u010dn\u00fdm rie\u0161en\u00edm ani \u0161t\u00e1tny d\u00f4chodok, ani samotn\u00e9 sporenie v druhom pilieri.
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Pr\u00e1ve druh\u00fd pilier by mal by\u0165 pod\u013ea Sokola z\u00e1kladom, od ktor\u00e9ho sa d\u00e1 pri budovan\u00ed d\u00f4chodku odrazi\u0165. Ide o \u010das\u0165 odvodov, ktor\u00e1 sa investuje na d\u00f4chodkov\u00e9 sporenie. Pri prvom d\u00f4chodkovom poisten\u00ed, napr\u00edklad po n\u00e1stupe do prv\u00e9ho zamestnania alebo za\u010dat\u00ed podnikania, sa \u010dlovek automaticky st\u00e1va s\u00fa\u010das\u0165ou syst\u00e9mu starobn\u00e9ho d\u00f4chodkov\u00e9ho sporenia. Pri v\u00fdbere d\u00f4chodkovej spr\u00e1vcovskej spolo\u010dnosti a investi\u010dn\u00e9ho programu by v\u0161ak pod\u013ea odborn\u00edka mali najm\u00e4 mlad\u00ed \u013eudia venova\u0165 pozornos\u0165 dlhodob\u00e9mu zhodnoteniu.
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Investi\u010dn\u00e9 fondy<\/p>\n
\u201eNa v\u00fdber m\u00e1 hne\u010f z nieko\u013ek\u00fdch d\u00f4chodkov\u00fdch spr\u00e1vcovsk\u00fdch spolo\u010dnost\u00ed, pri\u010dom najm\u00e4 mlad\u00fdm \u013eu\u010fom odpor\u00fa\u010dam vybera\u0165 jednozna\u010dne z indexov\u00fdch programov, ktor\u00e9 s\u00fa z dlhodob\u00e9ho h\u013eadiska najv\u00fdkonnej\u0161ie, a teda dok\u00e1\u017eu v\u00fdrazne viac zhodnoti\u0165 majetok sporite\u013ea,\u201c kon\u0161tatuje Sokol.
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Druh\u00fd pilier v\u0161ak nemus\u00ed by\u0165 posledn\u00fdm krokom. Pri tre\u0165om pilieri m\u00f4\u017ee by\u0165 pod\u013ea odborn\u00edka zauj\u00edmav\u00fdm faktorom najm\u00e4 pr\u00edspevok zamestn\u00e1vate\u013ea. Z\u00e1rove\u0148 v\u0161ak upozor\u0148uje na jeho ni\u017e\u0161iu flexibilitu. K vlastn\u00fdm vkladom sa sporite\u013e m\u00f4\u017ee dosta\u0165 najsk\u00f4r po desiatich rokoch a k pr\u00edspevkom zamestn\u00e1vate\u013ea a\u017e po dosiahnut\u00ed d\u00f4chodkov\u00e9ho veku. V\u00fdnos je navy\u0161e pod\u013ea Sokola zda\u0148ovan\u00fd 19-percentnou sadzbou. Alternat\u00edvou alebo doplnkom m\u00f4\u017eu by\u0165 ETF fondy.
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\u201eMedzi ich hlavn\u00e9 v\u00fdhody patr\u00ed da\u0148ov\u00e9 oslobodenie u\u017e po jednom roku ich dr\u017eania, ako aj ich pln\u00e1 flexibilita, nako\u013eko sa na tak\u00fdto produkt nevz\u0165ahuje \u017eiadna viazanos\u0165,\u201c uv\u00e1dza Sokol. Pod\u013ea neho m\u00f4\u017ee by\u0165 pri dostato\u010dn\u00fdch finan\u010dn\u00fdch mo\u017enostiach \u010fal\u0161\u00edm doplnkom portf\u00f3lia napr\u00edklad investi\u010dn\u00e1 nehnute\u013enos\u0165.
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Dlhodob\u00e9 investovanie<\/p>\n
Pri dlhodobom investovan\u00ed pritom pod\u013ea odborn\u00edkov nie je rozhoduj\u00face iba to, ko\u013eko \u010dlovek mesa\u010dne odklad\u00e1. Mimoriadne d\u00f4le\u017eit\u00fd je \u010das. Sokol na modelovom pr\u00edklade uv\u00e1dza \u010dloveka s \u010dist\u00fdm mesa\u010dn\u00fdm pr\u00edjmom 1 500 eur, ktor\u00e9mu do d\u00f4chodku zost\u00e1va pribli\u017ene 30 rokov. Ak by v bud\u00facnosti dost\u00e1val d\u00f4chodok 900 eur, na zachovanie s\u00fa\u010dasn\u00e9ho pr\u00edjmu by mu ch\u00fdbalo 600 eur mesa\u010dne.
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Pri zoh\u013eadnen\u00ed infl\u00e1cie by pod\u013ea uveden\u00e9ho modelu na dosiahnutie tak\u00e9hoto cie\u013ea sta\u010dilo investova\u0165 pribli\u017ene 90 eur mesa\u010dne. Ak by v\u0161ak mal \u010dlovek na pr\u00edpravu iba 15 rokov, potrebn\u00e1 mesa\u010dn\u00e1 suma by pod\u013ea rovnak\u00e9ho modelov\u00e9ho v\u00fdpo\u010dtu vzr\u00e1stla takmer na 400 eur. Naopak, \u010dloveku, ktor\u00fd m\u00e1 do d\u00f4chodku e\u0161te 40 rokov, by pod\u013ea Sokola sta\u010dilo pribli\u017ene 40 eur mesa\u010dne.
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Chyby mlad\u00fdch<\/p>\n
Podobne sa na v\u00fdznam \u010dasu pri investovan\u00ed pozer\u00e1 aj Mat\u00fa\u0161 \u010carn\u00fd, investi\u010dn\u00fd analytik spolo\u010dnosti FinGO.sk. Upozor\u0148uje, \u017ee absolventi po n\u00e1stupe do prv\u00e9ho zamestnania \u010dasto urobia jednu z dvoch ch\u00fdb. Peniaze bu\u010f min\u00fa na okam\u017eit\u00fa spotrebu, alebo ich nechaj\u00fa na be\u017enom \u00fa\u010dte, kde ich postupne znehodnocuje infl\u00e1cia.
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\u201eMlad\u00ed \u013eudia m\u00f4\u017eu ma\u0165 opr\u00e1vnen\u00fd pocit, \u017ee im z v\u00fdplaty ni\u010d nezostane. Potom v\u0161ak pr\u00edde rodina, deti a pe\u0148az\u00ed op\u00e4\u0165 nie je nazvy\u0161. Takto zrazu \u010dlovek zist\u00ed, \u017ee u\u017e nie je najmlad\u0161\u00ed a s investovan\u00edm e\u0161te st\u00e1le neza\u010dal, preto\u017ee na to nikdy nebol vhodn\u00fd \u010das,\u201c hovor\u00ed \u010carn\u00fd.
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Prv\u00fdm cie\u013eom po z\u00edskan\u00ed pravideln\u00e9ho pr\u00edjmu by pod\u013ea neho nemalo by\u0165 nov\u00e9 auto \u010di vlastn\u00e9 b\u00fdvanie, ale vytvorenie finan\u010dnej rezervy. T\u00e1 by mala zodpoveda\u0165 pribli\u017ene \u0161es\u0165n\u00e1sobku z\u00e1kladn\u00fdch mesa\u010dn\u00fdch v\u00fddavkov a by\u0165 okam\u017eite dostupn\u00e1. Sl\u00fa\u017ei\u0165 m\u00e1 na ne\u010dakan\u00e9 situ\u00e1cie, napr\u00edklad v\u00fdpadok pr\u00edjmu, pokazen\u00fd spotrebi\u010d alebo nepl\u00e1novan\u00e9 v\u00fddavky.
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Pravideln\u00fd n\u00e1vyk<\/p>\n
Pod\u013ea prieskumu FinGO.sk nem\u00e1 bezpe\u010dn\u00fa rezervu na viac ako pol roka vytvoren\u00fa ani polovica \u013eud\u00ed. Z\u00e1rove\u0148 viac ako 40 percent dom\u00e1cnost\u00ed zost\u00e1va po zaplaten\u00ed v\u0161etk\u00fdch \u00fa\u010dtov s mesa\u010dn\u00fdm prebytkom najviac 300 eur. Pre mlad\u00e9ho \u010dloveka preto nemus\u00ed by\u0165 za\u010diatok investovania ot\u00e1zkou vysok\u00fdch s\u00fam. D\u00f4le\u017eitej\u0161ie m\u00f4\u017ee by\u0165 vytvorenie pravideln\u00e9ho n\u00e1vyku.
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\u010carn\u00fd odpor\u00fa\u010da najsk\u00f4r vybudova\u0165 finan\u010dn\u00fa rezervu a a\u017e potom peniaze smerova\u0165 na dlhodob\u00e9 investi\u010dn\u00e9 ciele. Aj za\u010d\u00ednaj\u00faci investor m\u00f4\u017ee pod\u013ea neho za\u010da\u0165 s 20, 50 alebo 100 eurami mesa\u010dne. Po vytvoren\u00ed dostato\u010dnej rezervy m\u00f4\u017ee rovnak\u00fa sumu presmerova\u0165 do dlhodob\u00fdch invest\u00edci\u00ed.
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\u201eKe\u010f si mlad\u00fd \u010dlovek hne\u010f pri prvej v\u00fdplate nastav\u00ed automatick\u00fd trval\u00fd pr\u00edkaz, zvykne si hospod\u00e1ri\u0165 s t\u00fdm, \u010do mu po odlo\u017een\u00ed pe\u0148az\u00ed zostane,\u201c hovor\u00ed.
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Modelov\u00e9 v\u00fdpo\u010dty<\/p>\n
Sila pravideln\u00e9ho investovania je vidite\u013en\u00e1 aj na modelov\u00fdch \u010d\u00edslach. Ak by mal absolvent z\u00e1kladn\u00e9 mesa\u010dn\u00e9 v\u00fddavky 700 eur, \u0161es\u0165mesa\u010dn\u00e1 rezerva by predstavovala 4 200 eur. Pri odkladan\u00ed 100 eur mesa\u010dne a predpokladanom \u010distom zhodnoten\u00ed 3,5 percenta ro\u010dne by sa na t\u00fato sumu pod\u013ea uveden\u00e9ho pr\u00edkladu dostal pribli\u017ene za 40 mesiacov.
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N\u00e1sledne by mohol rovnak\u00fdch 100 eur mesa\u010dne investova\u0165 dlhodobo do akciov\u00e9ho ETF. Pri modelovom historickom priemernom v\u00fdnose 8 percent ro\u010dne by po 20 rokoch mal takmer 60-tis\u00edc eur, pri\u010dom \u010dist\u00fd zisk z investovania by predstavoval viac ako 35-tis\u00edc eur. Ide v\u0161ak o modelov\u00e9 v\u00fdpo\u010dty, nie o garantovan\u00fd bud\u00faci v\u00fdnos.
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\u017divnostn\u00edci a podnikatelia<\/p>\n
Na d\u00f4chodok by pritom nemali myslie\u0165 iba zamestnanci. \u0160pecifickou skupinou s\u00fa \u017eivnostn\u00edci a podnikatelia, ktor\u00ed si platia minim\u00e1lne odvody. V\u00fd\u0161ka d\u00f4chodku toti\u017e s\u00favis\u00ed so zaplaten\u00fdmi odvodmi a evidovan\u00fdm pr\u00edjmom. \u010clovek m\u00f4\u017ee ma\u0165 v skuto\u010dnosti vy\u0161\u0161\u00ed pr\u00edjem, no ak si dlhodobo odv\u00e1dza iba minimum, jeho bud\u00faci d\u00f4chodok tomu nebude zodpoveda\u0165.
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\u201eKe\u010f\u017ee v\u00fd\u0161ka d\u00f4chodku sa odv\u00edja od zaplaten\u00fdch odvodov, resp. od v\u00fd\u0161ky evidovan\u00e9ho pr\u00edjmu, tak\u00edto \u013eudia m\u00f4\u017eu bez oh\u013eadu na svoj re\u00e1lny pr\u00edjem po\u010d\u00edta\u0165 len s d\u00f4chodkom bl\u00edzkym z\u00e1konn\u00e9mu minimu. Pre nich je preto s\u00fakromn\u00e9 sporenie nielen pr\u00edjemn\u00fdm plusom, ale prakticky jedinou cestou, ako sa vyhn\u00fa\u0165 v\u00fdrazn\u00e9mu prepadu pr\u00edjmu v d\u00f4chodku,\u201c dod\u00e1va Marek Sokol.
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Riziko
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Spolo\u010dn\u00fdm menovate\u013eom oboch poh\u013eadov je teda najm\u00e4 \u010das. \u010clovek, ktor\u00fd za\u010dne odklada\u0165 peniaze a\u017e kr\u00e1tko pred d\u00f4chodkom, mus\u00ed na dosiahnutie rovnak\u00e9ho cie\u013ea investova\u0165 v\u00fdrazne viac. Naopak, mlad\u00fd \u010dlovek m\u00f4\u017ee za\u010da\u0165 malou sumou, vybudova\u0165 si najsk\u00f4r rezervu a n\u00e1sledne pravidelne investova\u0165 na dlhodob\u00e9 ciele. Nejde pritom iba o d\u00f4chodok. Vlastn\u00fd majetok m\u00f4\u017ee v bud\u00facnosti sl\u00fa\u017ei\u0165 aj na b\u00fdvanie, zabezpe\u010denie rodiny \u010di in\u00e9 \u017eivotn\u00e9 pl\u00e1ny.
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Spolieha\u0165 sa v\u00fdlu\u010dne na bud\u00faci \u0161t\u00e1tny d\u00f4chodok je pod\u013ea odborn\u00edkov \u010doraz v\u00e4\u010d\u0161\u00edm rizikom. Demografick\u00fd v\u00fdvoj bude znamena\u0165 v\u00e4\u010d\u0161\u00ed tlak na verejn\u00e9 financie a dnes z\u00e1rove\u0148 nie je mo\u017en\u00e9 spo\u013eahlivo poveda\u0165, ak\u00fd vysok\u00fd d\u00f4chodok bude \u010dlovek o dve \u010di tri desa\u0165ro\u010dia pobera\u0165.
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\u201eIst\u00e9 je len to, \u017ee pravdepodobnos\u0165, \u017ee t\u00e1to suma posta\u010d\u00ed na zachovanie \u017eivotn\u00e9ho \u0161tandardu, sa ka\u017ed\u00fdm rokom zni\u017euje,\u201c uzatv\u00e1ra Sokol. <\/p>\n","protected":false},"excerpt":{"rendered":"30.8.2026 (SITA.sk) – Asoci\u00e1cia vod\u00e1rensk\u00fdch spolo\u010dnost\u00ed (AVS) a Bratislavsk\u00e1 vod\u00e1rensk\u00e1 spolo\u010dnos\u0165 (BVS) poz\u00fdvaj\u00fa verejnos\u0165 na dvojd\u0148ov\u00e9 podujatie pri…\n","protected":false},"author":2,"featured_media":165474,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_share_on_mastodon":"0"},"categories":[21],"tags":[1163,1169,136,47567,66,635,1165,142,43,40,39,42,41,1167,343,36,1164,1166,1168],"class_list":["post-165473","post","type-post","status-publish","format-standard","has-post-thumbnail","category-bratislava","tag-aktualne-spravy","tag-auto-moto","tag-bratislava","tag-bratislava-oslavi-140","tag-ekonomika","tag-financie","tag-najnovsie-spravy","tag-politika","tag-sk","tag-slovak","tag-slovakia","tag-slovencina","tag-slovensko","tag-soubiznis","tag-spravodajstvo","tag-spravy","tag-spravy-dnes","tag-spravy-zo-sveta","tag-technika"],"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@sk\/117185202596287886","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/posts\/165473","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/comments?post=165473"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/posts\/165473\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/media\/165474"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/media?parent=165473"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/categories?post=165473"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/tags?post=165473"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}